| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | AFLAC | $6K | $155 | $6K | 9.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | AFLAC | $543 | — | $543 | 0.87% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $425 | $49 | $474 | 0.76% |
| AMANDA E LEWIS3 Filed as: AMANDA LEWIS | 3728 SHADOW TREE ST NORTH LAS VEGAS, NV 89032 | AFLAC | $367 | $91 | $458 | 0.73% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $411 | — | $411 | 0.66% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $404 | — | $404 | 0.64% |
| DAVID J MCCLELLAN3 Filed as: DAVID HERRERA | 3728 SHADOW TREE ST NORTH LAS VEGAS, NV 89032 | AFLAC | $332 | $49 | $381 | 0.61% |
| JENNIFER TAFOYA3 | 8955 TOMNITZ AVE LAS VEGAS, NV 89178 | AFLAC | $352 | — | $352 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $283 | — | $283 | 0.45% |
| SIMON REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $238 | — | $238 | 0.38% |
| SIMON REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | AFLAC | $152 | — | $152 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $143 | — | $143 | 0.23% |
| SCOTT EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $72 | — | $72 | 0.11% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $69 | — | $69 | 0.11% |
| TERESA BLAKE3 | 3408 CANTURA BLUFF AVE NORTH LAS VEGAS, NV 89031 | AFLAC | $64 | — | $64 | 0.10% |
| LYNN MARIE BARRY3 Filed as: LYNN BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $63 | — | $63 | 0.10% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $60 | — | $60 | 0.10% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 3309 WOLFE CT PLANO, TX 75025 | AFLAC | $49 | — | $49 | 0.08% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $43 | — | $43 | 0.07% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $39 | — | $39 | 0.06% |
| LESLIE H SILTMAN3 Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $36 | — | $36 | 0.06% |
| TRACI HUTCHINSON3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $26 | — | $26 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $18 | — | $18 | 0.03% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $16 | — | $16 | 0.03% |
| SAUNDRA MORRIS3 | 9030 W SAHARA AVE STE 277 LAS VEGAS, NV 89117 | AFLAC | $14 | — | $14 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $12 | — | $12 | 0.02% |
| PATRICIA H SMITH3 Filed as: PATRICIA SMITH | 3220 N VIEW CREST DR TUCSON, AZ 85745 | AFLAC | $11 | — | $11 | 0.02% |
| DAYTON RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $11 | — | $11 | 0.02% |
| DAVID B MOSKOWITZ3 Filed as: DAVID MOSKOWITZ | 8005 N VIA DE LAGO SCOTTSDALE, AZ 85258 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM KRZCIOK | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID BECKSTEAD3 | 8 CRIMSON RDG HURRICANE, UT 84737 | AFLAC | $5 | — | $5 | 0.01% |
| MAEDE C MILLER3 Filed as: MAEDE MILLER | 17133 KNOLL DALE TRL CONROE, TX 77385 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL SARAZIN3 | 11017 SUMMER QUAIL AVE LAS VEGAS, NV 89144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 4.25% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 4625 S POLARIS AVE STE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 2.70% |
| SIMON REYES3 | 724 AMBER HILLS DR LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.69% |
| TAMMY SWAIN3 | 5463 S DURANGO DR STE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.18% |
| TRACI HUTCHINSON3 | 2976 VIA DELLA AMORE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 81 | $67K |
| Other(2 contracts, 2 carriers) | AFLAC | 81 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.